Changing DKK to USD in Denmark: the cheapest way, and what the rest cost you
The spread takes 7.47 DKK if you convert inside your account with Andelskassen (Danske Andelskassers Bank), and 36.33 DKK at Arbejdernes Landsbank's banknote desk, up to 55.54 DKK at Andelskassen (Danske Andelskassers Bank).
Same money, same day — a 28.86 DKK difference for choosing how you pay rather than where.
Every figure is read from a bank's own published board, or derived from a margin it discloses — named in the evidence column, never inferred. We do not rank by any commercial relationship; the order below is the rate, and nothing else.
Which method costs least
This is the choice worth the most money, and the one most comparisons skip. Cash desks sit several points above card and transfer rates in every country we measure.
| Method | Cheapest here | Costs you | How we know |
|---|---|---|---|
| Transfer / account conversion What the bank converts at when the money moves between accounts. |
Andelskassen (Danske Andelskassers Bank) | 7.47 DKK | read from www.andelskassen.dk |
| Pay by card The rate your card issuer converts at, plus the fee it discloses. |
Danske Bank | 9.95 DKK | derived from the disclosed margin |
| Buy banknotes at a branch The bank's own banknote board — the widest spread of the three, everywhere we measure. |
Arbejdernes Landsbank | 36.33 DKK | derived from the disclosed margin |
Cash withdrawals at an ATM are left out on purpose: they carry a per-withdrawal fee we do not collect, so listing them beside the others would flatter them.
Every bank's cash / banknotes rate
If you have to use a branch anyway, this is the order to try them in — 2 banks, cheapest first. The dearest takes 1.0% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Arbejdernes Landsbank derived | — | 6.5979 | 36.33 DKK |
| Derived from the ECB reference rate plus the bank's disclosed 1.85% margin, which is the basis this bank discloses against. | |||
| Andelskassen (Danske Andelskassers Bank) own board | 6.2964 | 6.6631 | 55.54 DKK |
| Read from the board this bank publishes at www.andelskassen.dk. | |||
Every bank's transfers rate
If you have to use a branch anyway, this is the order to try them in — 4 banks, cheapest first. The dearest takes 1.5% more than the cheapest.
| Bank | Buys USD | Sells USD | Costs you |
|---|---|---|---|
| Andelskassen (Danske Andelskassers Bank) own board | 6.4538 | 6.5024 | 7.47 DKK |
| Read from the board this bank publishes at www.andelskassen.dk. | |||
| Spar Nord Bank own board | 6.4547 | 6.5047 | 8.20 DKK |
| Read from the board this bank publishes at www.sparnord.dk. | |||
| Lunar derived | 6.4457 | 6.5105 | 9.95 DKK |
| Derived from the ECB reference rate plus the bank's disclosed 0.5% margin, which is the basis this bank discloses against. | |||
| Arbejdernes Landsbank derived | 6.3582 | 6.5979 | 36.33 DKK |
| Derived from the ECB reference rate plus the bank's disclosed 1.85% margin, which is the basis this bank discloses against. | |||
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Rates are DKK per 1 USD; "costs you" is the part of your amount the spread absorbs, against 6.4781, the reference these banks price from. Collection began 2026-06-24. Indicative information for comparison, not financial advice. What each country's rates are officially anchored to is on the references page. Generated 2026-08-11.